Cruise to your dream destination with greater peace of mind
Whether you're cruising within Australia, in Europe or Asia, across the Pacific or around the world, consider cruise travel insurance. Then you can focus on everything your holiday has to offer, from stunning landscapes to new cultural experiences.
Compare our policies and choose the cover that suits your needs before embarking on your adventure.
Unlimited* overseas hospital & medical cover
Overseas hospital, medical, surgical, nursing, dental and ambulance expenses. Includes medical evacuation.
Cover during your cruise schedule
Consider covering yourself for cruising on your holiday and only pay for the days you're on board.
Your children & grandchildren covered at no extra cost
Dependents aged 25 or under, travelling with you, and listed on your Certificate of Insurance (COI).#Understanding your cover
Depending on the policy you choose, you can enjoy a range of benefits.
24/7 emergency medical assistance
Our team of emergency experts has a global network of doctors, nurses and logistical staff available to help you 365 days per year.Severe weather events and natural disasters
Cover for most unforeseen events, such as floods, earthquakes, volcanic eruptions.^^Trip delays, interruptions and cancellations
We'll help with some of the costs incurred, depending on your travel situation.^^Money and personal items
Cover for theft or loss of credit cards, cash, smartphone, tablet, camera, laptop, etc.^^Ski and winter sports cover (optional)
You can cruise and ski on the same holiday by adding optional cover for a range of recreational sports, including snowmobiling.^^New for old luggage replacement
Luggage replacement and luggage delay cover option.^^Choose the right cover for your cruise
When you add cruise cover to your travel insurance policy, it's important to choose the right option for your particular cruise.
Compare our policies
Whether you’re venturing to glacial landscapes or relaxing in warmer climates, we have a range of insurance options to choose from.
| International Comprehensive .this is the choice. | International Essentials | Medical Only | |||
|---|---|---|---|---|---|
| (per Adult) | (per Adult) | (per Adult) | |||
| Cancellation Fees & Lost Deposits (Unforseen Circumstances) | |||||
| Cancellation Fees & Lost Deposits (Unforseen Circumstances) | $Choice of limit | $Choice of limit | Not Covered | ||
| Overseas Medical and Hospital | |||||
| Overseas Medical and Hospital | $unlimited* | $unlimited* | $unlimited* | ||
| Cash in hospital Sub-Limits apply | |||||
| Cash in hospital Sub-Limits apply | $6,000~ | $3,500~ | $1,500~ | ||
| Overseas Dental Sub-Limits apply | |||||
| Overseas Dental Sub-Limits apply | $unlimited* | $2,000 | $500 | ||
| Funeral Expenses Overseas Sub-Limits apply | |||||
| Funeral Expenses Overseas Sub-Limits apply | $20,000** | $15,000** | $10,000** | ||
| Luggage | |||||
| Luggage | $15,000 | $7,500 | $2,000 | ||
| Travel Documents Sub-Limits apply | |||||
| Travel Documents Sub-Limits apply | $5,000 | $1,500 | Not Covered | ||
| Luggage Delay Sub-Limits apply | |||||
| Luggage Delay Sub-Limits apply | $750 | $500 | Not Covered | ||
| Personal Money Sub-Limits apply | |||||
| Personal Money Sub-Limits apply | $500 | $250 | Not Covered | ||
| Emergency Expenses | |||||
| Emergency Expenses | $unlimited* | $25,000 | $5,000 | ||
| Accidental Death | |||||
| Accidental Death | $25,000** | $15,000** | Not Covered | ||
| Accidental Disability | |||||
| Accidental Disability | $25,000** | $15,000** | Not Covered | ||
| Your Legal Liability | |||||
| Your Legal Liability | $10,000,000 | $10,000,000 | $10,000,000 | ||
| Rental Car Excess | |||||
| Rental Car Excess | $8,000^ | $4,000^ | Not Covered | ||
| Loss of Income From Injury | |||||
| Loss of Income From Injury | $10,400 | $5,200 | Not Covered | ||
| Financial Default | |||||
| Financial Default | $10,000 | $5,000 | Not Covered | ||
| Travel Agent Fees Sub-Limits apply | |||||
| Travel Agent Fees Sub-Limits apply | $4,000 | $2,000 | Not Covered | ||
| Domestic Pets | |||||
| Domestic Pets | $650^~ | Not Covered | Not Covered | ||
| Domestic Services | |||||
| Domestic Services | $1,500^~ | Not Covered | Not Covered | ||
| Travel Delay | |||||
| Travel Delay | $3,000~ | $1,500~ | Not Covered | ||
| Hijack and Kidnap | |||||
| Hijack and Kidnap | $10,000**~ | $5,000**~ | Not Covered | ||
| Ski and Winter Sports Optional cover | |||||
| Ski and Winter Sports Overseas Medical and Hospital | |||||
| Ski and Winter Sports Overseas Medical and Hospital | $unlimited* | $unlimited* | Not Covered | ||
| Cash in hospital Sub-Limits apply | |||||
| Cash in hospital Sub-Limits apply | $6000~ | $3,500~ | Not Covered | ||
| Overseas Dental Sub-Limits apply | |||||
| Overseas Dental Sub-Limits apply | $unlimited* | $2,000 | Not Covered | ||
| Funeral Expenses Overseas Sub-Limits apply | |||||
| Funeral Expenses Overseas Sub-Limits apply | $20,000** | $15,000** | Not Covered | ||
| Equipment hire | |||||
| Equipment hire | $2,000^ | $1,000^ | Not Covered | ||
| Ski pack | |||||
| Ski pack | $1,000^ | $500^ | Not Covered | ||
| Piste Closure | |||||
| Piste Closure | $1,000^~ | $500^~ | Not Covered | ||
| Bad Weather and Avalanche | |||||
| Bad Weather and Avalanche | $1,000^ | $500^ | Not Covered | ||
| Lift Pass | |||||
| Lift Pass | $500 | $250 | Not Covered | ||
| Cruise Benefits Optional cover | |||||
| Cabin Confinement | |||||
| Cabin Confinement | $1,500~ | $1,500~ | Not Covered | ||
| Missed Port | |||||
| Missed Port | $150 | $150 | Not Covered | ||
| Missed Shore Excursion | |||||
| Missed Shore Excursion | $1,500 | $1,500 | Not Covered | ||
| Marine Rescue Diversion | |||||
| Marine Rescue Diversion | $500~ | $500~ | Not Covered | ||
| Get a quote Quote | Get a quote Quote | Get a quote Quote | |||
Reasons to consider RAC cruise travel insurance
21-day cooling off period
Cancel within 21 days of purchase to get a full refund, as long as you haven’t started your trip, haven’t made a claim and don’t intend to make a claim.
Get your quote today
Get an online quote
It's quick and easy to buy your cruise travel insurance online.
If you have a pre-existing condition, simply use our online medical assessment tool to find out if your condition can be covered.
Speak to a team member
Get a quote from one of our travel insurance consultants in person or by phone.
Frequently asked questions
Still have cruise cover questions? Check out our FAQs.
Cover is available to Australian citizens, permanent residents and temporary residents. You can be up to 110 years of age for a single-trip policy and up to 75 years of age for a multi-trip policy.
Certain conditions apply. To confirm your eligibility, please refer to the PDS/FSG.
You need to take pre-existing conditions into account when getting a quote.
You must declare all pre-existing medical conditions so we can determine their eligibility for cover.
Several pre-existing medical conditions are automatically covered at no extra cost, provided you meet the requirements outlined in the PDS/FSG.
If you have a medical condition that isn't automatically covered, you'll need to complete an online medical assessment. This will help us verify whether or not we can cover the medical condition. You can complete the online medical assessment as part of your travel insurance quote. For support, call us on 1300 655 179 or visit an RAC travel centre.
Yes, you can. Certain dependents are covered by your cruise travel insurance policy at no extra cost, provided they haven't disclosed a medical condition and meet the relevant criteria.
Dependents mean children, stepchildren, foster children or grandchildren who are aged 25 or younger. They must be financially dependent on you, travelling with you the whole time and listed on your certificate of insurance.
For more information, please refer to the PDS/FSG.
While cruise ships have doctors onboard, they may not be registered to practise in Australia. This means that medical evacuation and medical costs incurred while onboard may not be covered by Medicare.
Any medical treatment received on Australian shores is not covered by your cruise insurance policy, as it's covered by Medicare. If you're not enrolled in Medicare, you may need to pay for these expenses out of pocket.
The price of your cruise insurance policy depends on many factors, including your destination, duration and the level of cover you choose.
RAC members save 15% on all travel insurance policies, including those with added cruise cover.
If you're going on a domestic or international river cruise, you don't need to add the cruise cover option to your RAC travel insurance policy.
All ocean cruises will require you to select the Cruise cover option. For more information on the types of cover available for domestic and international ocean cruises, please refer to the Choose the right cover for your cruise section of this page.
Please note that an extra premium is payable for cruise cover.
Some cruise lines require you to provide travel insurance details, meaning you need to buy cruise cover before your departure. Check your cruise line's policies to see if you'll need to do this.
Even if it isn't required by your cruise line, you might consider taking out cruise cover soon after booking.
Certain policies cover cancellation, lost deposits and financial default from the date of purchase, giving you more protection and peace of mind as you plan your trip. All other benefits begin on the trip start date you provided when buying your policy.
# Your children and grandchildren aged 25 and under go for free, provided they are financially dependent on their parents, not working full time, are travelling with you the whole time and are listed on your COI.
$unlimited* or unlimited* means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions.
** These limits are per person listed in Your COI.
^ These limits are per policy.
^^ Limits, sub limits, exclusions and conditions apply. Refer to the PDS/FSG for full details.
- Daily limits apply.
Terms, conditions, limits, sub-limits, and exclusions apply. Subject to eligibility criteria. This advice is general advice only. Please refer to the PDS/FSG before making a decision about this product and read the Target Market Determinations (TMDs) before determining whether this product is suitable for your circumstances. This product is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (ABN 80 000 438 291 AFSL 246548).
